We've all heard the expression "privatizing profit and socializing risk". The phenomenon I want to make a word for is similar, but I can't seem to structure an analogous expression. It's a sort of socialization of the requirement for expertise, but not precisely.
One example of the phenomenon is pensions. They seem to be moving away from defined benefit pensions, where experts manage it for you, to defined contribution pensions, where they give everyone a little bit of money and tell them to go manage it themselves.
Another major example comes from from job searching. Based on what my parents and grandparents tell me, employers used to be willing to hire unskilled labour or workers with a lot of potential but no particular experience in the area (and they tended to look upon university degrees as potential), and then let them learn on the job or train them up so they could eventually move up the ladder and do better-paying work. But in my own job hunting experience, I find that most employers want workers who already have the very specific skills and experience required for the position - even when it's something easily learnable like proprietary software. And, on top of that, employers have been known to reject applicants who have education that isn't strictly required for the job.
This also reminds me of how every once in a while you hear employers in the news saying that they can't find enough skilled workers, but these complaints about the lack of skilled workers seem to be reaching my ears far more readily than information about what kind of skills which employers need, and how to go about acquiring these skills, and how to figure out which of those jobs you'd be a good fit for rather than picking some skilled trade at random.
Anyway, the general concept I want to coin a word for is this sort of increasing expectation over time that individuals who are not involved in organizations or fields of expertise are independently responsible for developing knowledge of the needs of those organizations or the skills of those fields of expertise, whereas historically the larger organizations were more willing to make the effort to integrate and orient people.
I'm not explaining this as well as I should be. Coinages and better explanations welcome.